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Short answer is maybe. If you have a “qualified health plan (QHP)” the answer is yes. A QHP is an insurance plan that is certified by Nevada Health Link in Nevada that covers “10 essential health care benefits” including ambulance rides. You, the customer, would pay possibly a deductible, a co-payment, or co-insurance for your ambulance trip.
Also, Employer Insurance, Medicare, Medicaid, VA, Tricare, and others will cover emergency transportation ambulance trips. If you have one of these types of plans, you are guaranteed coverage. Most private health insurance plans also pay for emergency medical transportation but understanding your coverage may require a little research.
If your “health insurance” policy is not a true health insurance policy but is something else like a “health coverage plan”, an indemnity policy, a “discount” plan, a healthcare sharing ministry plan, or others, you’d have to look at what benefits you may have. There may or may not be any benefit for ambulance coverage. These plans are not required to cover emergency transportation. Also, check the benefits of your short-term health insurance policy for the details of coverage.
Additionally, just as your health insurance plan has in-network hospitals and doctors, it also has in-network ambulance operators/companies. If you were taken to the hospital by an ambulance outside of your plan’s network, you may be financially responsible for some or all of the bill.
If your health insurance has deductibles, co-insurance or co-pays to pay first and your ambulance trip is related to an auto accident, your auto insurance policy should provide this coverage. Also, if you have “med pay” on your auto policy, or “uninsured motorist” or if it’s the other person’s fault, the auto policy may help cover these costs.
Talking to an insurance agent can help you understand your health and auto insurance policies and the level of coverage you have for ambulance services.
If you do not have health or auto insurance coverage for the ambulance ride, you are responsible for paying the entire bill out of pocket. Depending on the details of your trip, your final bill may be up to several thousand dollars. Factors that influence the bill include:
At Nevada Insurance Enrollment, our health insurance agents assist you in understanding your policy to determine its coverage for emergency medical transportation, which may help you avoid surprise bills in the future. To get help with understanding your existing coverage or to get one-on-one professional assistance with finding the right plan for your needs and budget, contact one of our health insurance agents today.
While your auto insurance provider bases your monthly premium on numerous factors, including where you live, how old you are and whether you rent or own your home, the factor that most significantly affects your premium is your driving record.
Whether you’ve had the same health insurance company for years or switched to a new health insurance company, the variance in cost is directly related to whether a healthcare provider is within your health insurance company’s network (if you have a PPO), if you have a deductible to satisfy first, or if you have a co-pay.
Many people don’t recognize the value of life insurance and health insurance until they actually use it and may even think they can work around high medical or funeral expenses.
By page visits (this month)
By page visits (this month)
Nevada is a “Supported State-Based Exchange” meaning, that despite the ruling in King vs. Burwell, Nevadan’s are able to keep their health insurance subsidies.
For the 2015 Health Insurance “Open Enrollment”, Nevada has moved to the Federal website technology for its online enrollments.
Come fill out your paper application and we will handle the rest. Meet with a licensed Health Insurance Agent that will help you complete your application.
Each year, you can only buy Health Insurance during “Open Enrollment“, which is November 1st through December 15th. With Open Enrollment for Individual and Family Health Insurance coming again in November, we wanted to share another educational (but entertaining) video from the Kaiser Family Foundation.